Community Bank of Mississippi
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Data as of · sourced from FFIEC call reports. How we update
Community Bank of Mississippi is an FDIC-insured commercial bank headquartered in Flowood, MS, established in 1905 (FDIC certificate 8879), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $5.09B, up 6.5% from Q2 2025, the 5th largest of 57 banks headquartered in Mississippi. Its CET1 capital ratio was 13.15% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8879
- Headquarters
- Flowood, MS
- Established
- 1905
- Total assets, Q2 2026
- $5.09B
- Assets vs Q2 2025
- +6.5%
- CET1 ratio, Q2 2026
- 13.15%
- Domestic offices
- 57 FDIC institution directory, current count
- Routing number
- 065302196
- Latest call report
- Q2 2026, FFIEC 041 · Community Bank of Mississippi Q3 2026 call report, filed October 27, 2026 (preliminary)
- Holding company
- COMMUNITY BANCSHARES OF MISSISSIPPI, INC.
- Asset rank in state
- 5th of 57 in Mississippi
Community Bank of Mississippi operates with a thinner capital cushion than most banks of its size. The Flowood, Mississippi bank had $5.1 billion in assets at June 30, 2026, up 6.5% from a year earlier. It funds 8.32% of its assets with Tier 1 capital, lower than about 9 in 10 of the 880 banks with $1 billion to $10 billion in assets (median 10.49%). On the other hand, it keeps 4.12 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.71 cents).
Earnings jumped: net income for the quarter was $15 million, 47% above the same quarter a year earlier.
As of June 30, 2026, Community Bank of Mississippi reported a CET1 capital ratio of 13.15%, a return on assets of 1.18%, a nonperforming-loan ratio of 0.25% and a Texas ratio of 2.97%. The figures come from its call report filed with the FFIEC.
Of the 57 banks headquartered in Mississippi, Community Bank of Mississippi is the 5th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.7% to $5.09B, loans rose 3.1% and deposits fell 0.8%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 42.3% of total loans, followed by owner-occupied commercial real estate loans at 14.4%. Its 56 offices in the FDIC Summary of Deposits are in 41 cities across 4 states; its Flowood 3 offices book 9% of its branch deposits. Judged on its Q2 2026 call report, Community Bank of Mississippi meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1905 Community Bank Way, Flowood, MS 39232
- County
- Rankin
- Metro Area
- Jackson, MS
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- August 14, 1905
- Domestic offices
- 57 FDIC institution directory, current count
- Employees (FTE)
- 870
- Domestic deposits
- $4.62B
- Allowance for credit losses
- $39.9M
- Net charge-offs (YTD)
- $242K
- Average total assets
- $5.12B
- Average total loans
- $3.45B
- Average interest-bearing deposits
- $4.33B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8879
- Fed RSSD
- 460033
- Website
- www.communitybank.net →
- Parent Holding Company
- COMMUNITY BANCSHARES OF MISSISSIPPI, INC. (RSSD 1080595)
- Ultimate Parent
- RSSD 2313544
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Community Bank of Mississippi's total assets ran between $4.62B (Q3 2023) and $5.12B (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$5.09B total assets against $4.78B; $4.66B total liabilities against $4.39B.
$3.46B net loans and leases against $3.19B; $4.62B total deposits against $4.35B.
$947.0M securities against $993.9M; $396.7M cash and balances due against $319.9M.
$69.5M total interest income against $61.1M; $20.0M total interest expense against $19.8M.
$49.5M net interest income against $41.3M.
$8.9M total noninterest income against $8.6M; $37.3M total noninterest expense against $34.9M.
$1.3M provision for credit losses against $1.6M.
$15.2M net income against $10.3M.
1.18% return on assets against 0.85%; 4.12% net interest margin against 3.64%.
13.15% CET1 capital ratio against 13.28%; 8.32% tier 1 leverage ratio against 8.25%.
Inside the full Community Bank of Mississippi terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Community Bank of Mississippi rankings
Its closest position to the top of a national ranking is 281 of 4,196, for total assets; its furthest is 1,353 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.62% (Q3 2024) to 1.18% (Q2 2026) and its net interest margin ran from 2.82% (Q3 2024) to 4.12% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.15% | 1.18% | 0.25% | 2.97% | 4.12% |
| Q1 2026 | 13.25% | 1.02% | 0.23% | 2.79% | 3.85% |
| Q4 2025 | 13.28% | 1.03% | 0.20% | 2.48% | 3.85% |
| Q3 2025 | 13.26% | 0.95% | 0.27% | 3.18% | 3.79% |
| Q2 2025 | 13.28% | 0.85% | 0.34% | 3.72% | 3.64% |
| Q1 2025 | 13.57% | 0.70% | 0.37% | 3.92% | 3.35% |
| Q4 2024 | 13.81% | 0.68% | 0.32% | 3.53% | 3.07% |
| Q3 2024 | 13.81% | 0.62% | 0.40% | 3.90% | 2.82% |
Swipe the table sideways to see every column.
Branch Network
View all 56 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Community Bank of Mississippi (main office) | Flowood , MS | 39232 | $402.3M |
| Crossgates Branch | Brandon , MS | 39042 | $288.3M |
| Laurel Branch | Laurel , MS | 39440 | $275.8M |
| Forest Branch | Forest , MS | 39074 | $255.7M |
| Community Bank Meridian Main Office | Meridian , MS | 39301 | $219.5M |
| Miramar Beach Branch | Miramar Beach , FL | 32550 | $205.7M |
| Hardy Street Branch | Hattiesburg , MS | 39402 | $176.9M |
| Community Bank,North Mississippi Branch | Amory , MS | 38821 | $169.4M |
| Community Bank Coast Branch | Biloxi , MS | 39530 | $153.9M |
| Ocean Springs Branch | Ocean Springs , MS | 39564 | $139.0M |
| Community Bank Branch | Ellisville , MS | 39437 | $128.7M |
| D'Iberville Branch | Diberville , MS | 39540 | $116.0M |
| Tupelo Branch | Tupelo , MS | 38804 | $114.6M |
| Indianola Branch | Indianola , MS | 38751 | $110.7M |
| Panama City Beach Branch | Panama City Beach , FL | 32407 | $101.8M |
| Pearl Branch | Pearl , MS | 39208 | $99.3M |
| Birmingham Branch | Birmingham , AL | 35209 | $90.1M |
| Raleigh Branch | Raleigh , MS | 39153 | $89.1M |
| Southaven Branch | Southaven , MS | 38671 | $77.5M |
| Community Bank, National Association Branch | Lucedale , MS | 39452 | $74.0M |
| Community Bank of Mississippi Branch | Vestavia , AL | 35242 | $73.8M |
| Hernando Branch | Hernando , MS | 38632 | $65.9M |
| Madison Branch | Madison , MS | 39110 | $63.8M |
| Infirmary 65 | Mobile , AL | 36608 | $62.0M |
| Pascagoula Branch | Pascagoula , MS | 39567 | $61.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2018 | Structure Change | Acquired Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 4.4% of deposits in MS, rank 7 of 80 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 4,962 applications, 3,869 loans originated, $749.9M originated, across 10 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 37 loans, $13.3M approved, $358K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Community Bank of Mississippi
What are Community Bank of Mississippi's total assets?
As of the Q2 2026 filing, Community Bank of Mississippi reported total assets of $5.09 billion in its FFIEC call report.
Where is Community Bank of Mississippi headquartered?
It is headquartered in Flowood, MS, United States.
When was Community Bank of Mississippi founded?
It was established in 1905, per the FDIC institution directory.
Is Community Bank of Mississippi FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8879). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community Bank of Mississippi?
Community Bank of Mississippi's primary federal regulator is the FDIC.
What is Community Bank of Mississippi's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.15% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Community Bank of Mississippi operate?
It operates 57 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Community Bank of Mississippi's Texas Ratio?
Its Texas Ratio is 2.97% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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